| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $8K | $174K | $182K | 2.10% |
| JD ALLMAN, INC.3 Filed as: J.D. ALLMAN INC. | 1730 I STREET, SUITE 240 SACRAMENTO, CA 95811 | AETNA LIFE INSURANCE COMPANY | $0 | $86K | $86K | 0.99% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD, SUITE 741738 COLLEGE PARK, GA 30349 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $95 | $29K | 4.39% |
| JD ALLMAN, INC.3 Filed as: J.D. ALLMAN INC. | 1730 I STREET, SUITE 240 SACRAMENTO, CA 95811 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 1.88% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.35% |
| LOCKTON COMPANIES, LLC3 | 4725 PIEDMONT ROW DRIVE, SUITE 510 CHARLOTTE, NC 28210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $0 | $42K | 8.53% |
| JD ALLMAN, INC.3 Filed as: J.D. ALLMAN INC. | 1730 I STREET, SUITE 240 SACRAMENTO, CA 95811 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $0 | $25K | 5.03% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST STATE ROAD 426 OVIEDO, FL 32765 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.25% |
| JD ALLMAN, INC.3 Filed as: J.D. ALLMAN INC. | 1730 I STREET, SUITE 240 SACRAMENTO, CA 95811 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.82% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.68% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,918 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,669 | $8.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,742 | $659K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,742 | $659K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,866 | $496K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,866 | $496K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,866 | $496K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,669 | $8.7M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,866 | $578K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,866 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.